Investment Options for ₹10 lakhs to Get Fixed Returns

Benefits of Investing 10 Lakhs

Investing is useful for wealth growth, beating inflation, achieving financial goals, creating passive income, & securing a comfortable retirement.

10 Lakhs Investment Plans to Explore

Fixed Deposits Mutual Funds Sovereign Gold Bonds Digital Gold Public Provident Fund (PPF)






Fixed Deposits

Tenure: 7 days - 10 years Returns: 4% - 7.5% p.a. Features: DICGC insurance up to ₹5 lakhs.

Mutual Funds

Tenure: 3 days to no limit. Returns: 7% - 15% p.a. Features: High-risk, high-return investment.

Sovereign Gold Bonds

Tenure: 8 years Returns: 2.5% p.a. Interest + capital appreciation of Gold Features: Capital gains are tax-free.

Digital Gold

Tenure: No lock-in Returns: 12% - 30% p.a. Features: Can be converted into physical gold.

Public Provident Fund (PPF)

Tenure: 15 years Returns: 7.1% p.a. (tentative) Features: Tax deduction up to ₹1.5 lac p.a. under section 80C.